Drivers have lots of options when finding cheaper insurance coverage on your vehicle. You can either buy through an agent or price shop online to compare rates from insurance carriers. Comparing auto insurance by getting online quotes is simple to do, plus you can save money.

Using the web to shop for auto insurance direct can be difficult if you have never used online quoting. But don't let that discourage you because it's actually quite easy. Finding cheaper coverage prices can be relatively painless. All you need to do is take the time getting comparison quotes online with multiple companies. This can be done by comparing rates here.

Rates are determined by the following

Car insurance premiums for a 2014 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your claim history
• Having current coverage saves
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the payout to repair may result in higher rates. On the flip side, newer vehicles may have safety features like traction control, adaptive headlights, and automatic crash notification which may lower rates.

Liability

2014 liability coverage can cover damage or injury you incur to other people or property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision protection

This coverage covers damage to your caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. 2014 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.